Student Loan Borrower Safety Net Act of 2023

This bill extends protections for federal student loan borrowers as pandemic-related payment pauses end. It requires the Department of Education to send at least six notifications to borrowers 60 days before payments resume, explaining repayment options, income-driven plans, and default solutions. Borrowers can self-certify income to switch repayment plans without fees and access economic hardship deferments if they miss payments. The law prioritizes outreach to borrowers who previously struggled with payments before the pandemic, ensuring they get clear information about available support.